PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

S & K Employees

Bensalem, PA · Charter 19925

Q2 1996

$300KAssets
$219KLoans
$264KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.69%, up 180 bps year over year.
  • Asset quality: problem loans at 14.09% of loans (+1,278 bps YoY).
  • Funding: loans stand at 82.96% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

5.69%+180 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.89%4.55%4.75%3.86%5.69%+180 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a2.65%n/an/a
Loan Growth (YoY)n/an/an/an/a27.59%n/an/a
Share Growth (YoY)n/an/an/an/a0.60%n/an/a
Asset Quality
Delinquent Loans / Loans1.30%1.57%2.28%15.83%14.09%+1,278 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.42%2.58%2.23%1.58%1.49%-193 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares65.41%100.75%82.95%72.49%82.96%+1,755 bps
Liquid Assets / Assets31.74%7.04%17.52%25.90%21.50%-1,024 bps